Mastercard Benefits

Your money belongs in your account, not in our pockets. In addition to competitive credit card rates, VCCU Mastercard credit cards have no annual fee and we do not charge interest for balances paid off within 25 days of the statement closing date.

Plus, your VCCU Mastercard is accepted worldwide at millions of locations and gives you access to amazing benefits:

Donate your Reward Points for a Cause!
From the rewards options page, select "Charities." Choose your favorite cause from a selection of local non-profits and make your donation. Doesn't that feel good?

VCCU Credit Card Services

When it comes to credit cards, convenience is key. Here are just a few of the ways a VCCU credit card can make your life easier:

Skip-A-Pay:Tight on cash this month? Eligible cardholders have the opportunity to skip one payment per year (some restrictions may apply).

Credit Card Checks: You know that feeling of panic you get when you’re in a place where credit cards aren’t accepted and you don’t have any cash? With a supply of VCCU credit card checks, you’ll never have to feel that again. If you have a VCCU credit card and an available line of credit, these checks act as instant cash.

Control Your Credit Card Debt

Want help managing your credit card debt? As a VCCU member, you have access to free financial education, resources and counseling through our partnership with BALANCE.

For more information on interest rates and fees, please read ourCredit Card Disclosureinformation.To learn more about our credit card services, apply or report a lost or stolen card, call 805.477.4000, or visit us at one of our branchesin Ventura, Port Hueneme, RiverPark, Oxnard, Camarillo, Thousand Oaks, Moorpark or Simi Valley, California for more information.